Can I retire at age 35 with 907,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $907,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$74,899$74,232$73,581$72,946$72,325$71,600
2 years$37,079$36,388$35,719$35,070$34,441$33,710
3 years$24,474$23,780$23,113$22,470$21,851$21,137
4 years$18,172$17,481$16,820$16,188$15,584$14,894
5 years$14,393$13,705$13,053$12,434$11,847$11,181
6 years$11,873$11,191$10,549$9,944$9,374$8,734
7 years$10,075$9,398$8,766$8,175$7,624$7,010
8 years$8,726$8,056$7,434$6,858$6,324$5,737
9 years$7,678$7,014$6,403$5,841$5,326$4,764
10 years$6,840$6,183$5,582$5,035$4,538$4,002
11 years$6,155$5,504$4,915$4,382$3,903$3,392
12 years$5,584$4,940$4,362$3,844$3,382$2,896
13 years$5,102$4,465$3,897$3,394$2,949$2,487
14 years$4,689$4,058$3,501$3,012$2,585$2,146
15 years$4,331$3,707$3,161$2,687$2,276$1,860
16 years$4,018$3,401$2,866$2,406$2,012$1,617
17 years$3,743$3,132$2,608$2,161$1,784$1,410
18 years$3,498$2,895$2,381$1,948$1,586$1,233
19 years$3,279$2,683$2,180$1,760$1,414$1,081
20 years$3,083$2,493$2,000$1,594$1,263$949
21 years$2,905$2,322$1,840$1,447$1,130$834
22 years$2,744$2,167$1,696$1,315$1,013$735
23 years$2,597$2,027$1,566$1,198$909$648
24 years$2,462$1,899$1,448$1,093$817$572
25 years$2,338$1,782$1,341$998$735$505
26 years$2,224$1,675$1,244$912$662$446
27 years$2,119$1,577$1,155$835$597$395
28 years$2,022$1,486$1,074$765$539$350
29 years$1,931$1,401$999$702$487$310
30 years$1,846$1,324$931$644$440$275
31 years$1,767$1,251$868$591$398$243
32 years$1,694$1,184$810$544$360$216
33 years$1,624$1,121$756$500$325$192
34 years$1,559$1,063$706$460$295$170
35 years$1,498$1,008$660$423$267$151
36 years$1,441$957$618$390$242$134
37 years$1,386$909$578$359$219$119
38 years$1,335$863$541$331$199$106
39 years$1,286$821$507$305$180$94
40 years$1,240$781$475$282$163$84
41 years$1,196$744$446$260$148$74
42 years$1,155$708$418$240$135$66
43 years$1,115$675$392$221$122$59
44 years$1,078$643$368$204$111$52
45 years$1,042$613$346$189$101$46
46 years$1,008$585$325$174$91$41
47 years$975$558$305$161$83$37
48 years$944$533$287$149$75$33
49 years$914$509$270$138$68$29
50 years$886$486$253$127$62$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $907,000, adding $2,888 every year, while hoping to spend $21,421 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 40/37/23 Blend
34$907,000$907,000$907,000$907,000
35$1,002,493$954,422$940,363$1,035,669
36$1,081,955$978,397$949,074$1,083,789
37$1,168,805$1,002,829$957,358$1,133,573
38$1,263,773$1,027,717$965,179$1,187,003
39$1,367,664$1,053,061$972,499$1,244,425
40$1,481,363$1,078,859$979,275$1,306,220
41$1,605,848$1,105,108$985,466$1,372,807
42$1,742,191$1,131,805$991,026$1,444,646
43$1,891,576$1,158,945$995,907$1,522,247
44$2,055,307$1,186,524$1,000,060$1,606,171
45$2,234,818$1,214,533$1,003,432$1,697,033
46$2,431,690$1,242,966$1,005,968$1,795,516
47$2,647,664$1,271,813$1,007,610$1,902,369
48$2,884,658$1,301,064$1,008,296$2,018,420
49$3,144,784$1,330,706$1,007,965$2,144,579
50$3,430,367$1,360,727$1,006,547$2,281,851
51$3,743,972$1,391,110$1,003,974$2,431,343
52$4,088,422$1,421,839$1,000,171$2,594,275
53$4,466,826$1,452,894$995,062$2,771,993
54$4,882,611$1,484,254$988,566$2,965,980
55$5,339,551$1,515,897$980,597$3,177,870
56$5,841,805$1,547,796$971,066$3,409,465
57$6,393,954$1,579,922$959,882$3,662,752
58$7,001,045$1,612,246$946,946$3,939,920
59$7,668,639$1,644,734$932,156$4,243,384
60$8,402,863$1,677,348$915,405$4,575,804
61$9,210,466$1,710,049$896,582$4,940,115
62$10,098,885$1,742,794$875,570$5,339,548
63$11,076,316$1,775,535$852,246$5,777,670
64$12,151,785$1,808,221$826,481$6,258,410
65$13,335,242$1,840,798$798,143$6,786,100
66$14,637,646$1,873,207$767,090$7,365,514
67$16,071,075$1,905,384$733,177$8,001,919
68$17,648,837$1,937,259$696,250$8,701,115
69$19,385,593$1,968,759$656,149$9,469,500
70$21,297,500$1,999,805$612,707$10,314,125
71$23,402,361$2,030,312$565,748$11,242,763
72$25,719,792$2,060,187$515,091$12,263,983
73$28,271,408$2,089,334$460,544$13,387,228
74$31,081,027$2,117,647$401,908$14,622,910
75$34,174,895$2,145,014$338,975$15,982,505
76$37,581,930$2,171,316$271,526$17,478,662
77$41,334,001$2,196,424$199,336$19,125,325
78$45,466,222$2,220,202$122,167$20,937,865
79$50,017,289$2,242,504$39,772$22,933,221
80$55,029,840$2,263,175$0$25,130,069
81$60,550,861$2,282,048$0$27,560,809
82$66,632,128$2,298,947$0$30,247,494
83$73,330,694$2,313,685$0$33,205,431
84$80,709,429$2,326,060$0$36,462,253
85$88,837,614$2,335,860$0$40,048,416
86$97,791,593$2,342,859$0$43,997,485
87$107,655,492$2,346,816$0$48,346,448
88$118,522,017$2,347,475$0$53,136,071
89$130,493,327$2,344,565$0$58,411,279
90$143,681,995$2,337,797$0$64,221,582
91$158,212,075$2,326,866$0$70,621,543
92$174,220,271$2,311,447$0$77,671,294
93$191,857,225$2,291,194$0$85,437,106
94$211,288,943$2,265,744$0$93,992,010
95$232,698,358$2,234,708$0$103,416,492
96$256,287,059$2,197,677$0$113,799,252
97$282,277,191$2,154,215$0$125,238,045
98$310,913,556$2,103,863$0$137,840,596
99$342,465,918$2,046,132$0$151,725,631
100$377,231,556$1,980,507$0$167,023,986